Dental Insurance Benefit Summary

Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392 GP62509-21 1156118 - 10001 Page 1 of 5 02/2026 Policyholder: MedTrust, LLC Group voluntary dental insurance Benefit summary for all members Your coverage renews every October 1 This summary was created on 08/18/2026 and shows benefits available at that time. What's available to me? Dental insurance helps pay for all, or a portion, of the costs associated with dental care, from routine cleanings to root canals. Eligibility Eligible employees All active, full-time employees Calendar-year deductible Coinsurance your policy pays In-network Out-of-network In-network Out-of-network Preventive $0 $0 100% 100% Basic $50 $50 80% 80% Major $50 $50 50% 50% Orthodontia $0 $0 50% 50% Additional provisions Family deductible 3 times the per person deductible amount Combined deductible Your in-network deductiblesfor basic and major services are combined. Your out-of-network deductibles for basic and major are combined. Your services applied to the in-network deductible will apply to the out-of-network deductible and vice versa. Combined maximum Your calendar year maximum for preventive, basic, and major in-network services are combined. Your calendar year maximum for preventive, basic, and major out-of-network services are combined. In-network calendar year maximums are $1,000 per person or out-of-network calendar year maximums are $1,000 per person. Your services applied to the in-network maximum will apply to the out-of-network maximum and vice versa. Orthodontia lifetime maximum $1,500 PPO in-network maximum / $1,500 PPO out-of-network maximum Maximum accumulation Included Plan type Unscheduled